Middle and Large Complex Liability Solutions Agents

Who We Are

Do your clients have a tough liability risk? Have your clients experienced a large liability loss or been non-renewed? Talk to our professionals in CLS. We write classes that your standard underwriter may not even consider. We face catastrophic exposures in our high-hazard book every day and are prepared for large losses.

We serve midsize and large accounts that have higher-hazard Products Liability or Premises-Operations Liability exposures.

Our Appetite

GL or Products liability premium at least $25,000
For Products: Manufacturers, wholesalers, distributors and importers
For Prem-Ops: Service firms, real estate, lessors risk and retail with self-insured retentions (SIRs) at least $100,000

Insurance Solution

Complex Liability Solutions is a dedicated group of underwriters, risk engineering consultants and liability claims specialists experienced in hard-to-place products and premises risks. We face catastrophic exposures in our high-hazard book every day. We offer:

Admitted Hartford paper
Potentially higher commissions than the Excess & Surplus (E&S) market
Premium counts toward incentive compensation plans
Full Commercial General Liability (CGL) or products-only
Excess/Umbrella $25 million total capacity (only over The Hartford’s GL primary)
Ventilated Excess (only over Hartford GL primary)
Discontinued products coverage
Prior acts coverage
Products Pollution coverage (not available in all states)
Manuscript coverage
Worldwide coverage
Deductibles, SIRs or first-dollar (guaranteed-cost)
Occurrence or claims-made forms
Dedicated claims manager experienced in product liability litigation
TPA or self-administered claim handling (for SIR policies)
Installments and direct-bill available
Composite rated policies